Terms of Use

Last Updated: September 16, 2026

Please read these Terms of Use carefully before using www.ontariolend.ca.

OntarioLend.ca provides information about mortgages, financing products and related services in Ontario.

Mortgage services advertised through this website are provided by:

Cameron Mackie – Mortgage Broker Licence #M08008827
TMG The Mortgage Group – Mortgage Brokerage Licence #10315

In these Terms of Use, “OntarioLend.ca,” “we,” “us” and “our” refer to the website and the mortgage services offered through OntarioLend.ca.

By accessing or using this website, you agree to these Terms of Use. If you do not agree with these Terms, you should discontinue use of the website.

General Information Only

The information provided on OntarioLend.ca is intended for general informational and educational purposes.

Website content should not be considered a mortgage approval, mortgage commitment, offer to lend, guarantee of financing or guarantee of any particular interest rate or mortgage product.

Mortgage products, interest rates, qualification requirements, lender policies and other financing terms may change at any time and may vary depending on the borrower, property, lender and transaction.

Information on this website should not be relied upon as a substitute for advice based on your individual circumstances.

Mortgage Approval and Qualification

Submitting an inquiry, mortgage application or other information through OntarioLend.ca does not guarantee that you will qualify for financing.

Mortgage approval may depend on factors including, but not limited to:

• Credit history

• Income

• Employment

• Assets

• Liabilities

• Debt-service ratios

• Down payment

• Source of funds

• Property type

• Property value

• Appraisal results

• Mortgage insurance requirements

• Lender underwriting guidelines

• Supporting documentation

• Applicable laws and regulations

All mortgage applications are subject to lender review, approval and applicable terms and conditions.

A lender may request additional information or documentation and may change, condition or withdraw an approval in accordance with its policies and the applicable mortgage commitment.

Mortgage Rates

Mortgage rates displayed on OntarioLend.ca are provided for informational purposes and are subject to change without notice.

Advertised rates may be available only for certain mortgage products, terms, transaction types or borrower profiles and may be subject to specific qualification requirements.

The lowest advertised rate may not necessarily be available to every borrower or be the most appropriate mortgage option for every situation.

Rates are not guaranteed until confirmed in accordance with the applicable lender’s requirements and any applicable rate-hold conditions.

Additional terms, restrictions or conditions may apply.

Mortgage Calculators

Calculators available on OntarioLend.ca are provided for general informational and illustrative purposes only.

Calculator results are estimates based on the information entered and assumptions used by the calculator.

Actual mortgage payments, borrowing capacity, interest costs, qualification amounts and other figures may differ.

Calculator results do not constitute:

• Mortgage advice

• A mortgage approval

• A pre-approval

• A commitment to lend

• A guaranteed payment amount

• A guaranteed interest rate

• Legal, tax or financial advice

You should obtain a personalized mortgage assessment before making a financing or real-estate decision based on calculator results.

Pre-Qualification and Pre-Approval

Any online pre-qualification, preliminary assessment or estimated borrowing amount is intended to provide general guidance and does not constitute a final mortgage approval or commitment to lend.

A formal mortgage pre-approval or approval may require verification of income, employment, assets, liabilities, credit history, down payment and other information.

A mortgage approval may also be subject to satisfactory review of the property and any conditions imposed by the lender.

No Lender-Borrower Relationship

OntarioLend.ca is not a lender unless expressly stated otherwise in connection with a particular transaction.

Using this website or contacting us does not create a lender-borrower relationship.

Mortgage financing arranged through OntarioLend.ca may be provided by banks, credit unions, trust companies, mortgage lenders, private lenders or other financing providers.

Each lender establishes its own underwriting criteria, rates, fees, terms and approval requirements.

Mortgage Brokerage Relationship

Simply visiting OntarioLend.ca does not create a formal mortgage brokerage relationship.

A brokerage relationship may arise when you engage us to provide mortgage brokerage services and complete any applicable consents, disclosures, applications or agreements.

Any transaction-specific relationship, duties, representations, compensation, conflicts of interest and other required disclosures will be addressed separately in accordance with applicable mortgage brokerage requirements.

No Legal, Tax, Accounting or Investment Advice

Information on OntarioLend.ca is not intended to constitute legal, tax, accounting, investment or financial-planning advice.

Mortgage and real-estate transactions can have significant legal, tax and financial consequences.

You should consult an appropriately qualified lawyer, accountant, tax professional, financial adviser or other professional regarding matters outside the scope of mortgage brokerage services.

Accuracy of Website Information

We make reasonable efforts to provide useful and current information.

However, mortgage products, lender policies, rates, government programs, regulations and market conditions can change quickly.

We do not guarantee that all website content will always be complete, accurate, current or free from errors.

We may correct, update, modify or remove website information at any time without notice.

If information on the website conflicts with the terms of a lender-issued mortgage commitment, disclosure or other transaction-specific document, the applicable transaction document will govern.

Your Responsibility for Information Provided

If you submit information to OntarioLend.ca, you agree to provide information that is accurate and complete to the best of your knowledge.

Mortgage lenders and other parties may rely on information you provide when evaluating an application.

You are responsible for advising us if material information changes during the mortgage application or approval process.

You must not knowingly submit false, misleading or fraudulent information.

Privacy

Your use of OntarioLend.ca is also subject to our Privacy Policy.

The Privacy Policy explains how personal information may be collected, used, disclosed, protected and retained.

By providing personal information through this website, you acknowledge that the information will be handled in accordance with our Privacy Policy and applicable privacy requirements.

Age

Mortgage application and brokerage services available through OntarioLend.ca are intended for individuals who are 18 years of age or older.

Individuals under 18 should not submit mortgage applications, financial information or other sensitive personal information through the website without appropriate authorization.

General public access to educational website content is not intended to create a contractual relationship with a minor.

Third-Party Websites and Services

OntarioLend.ca may contain links to websites, applications, calculators, service providers or other resources operated by third parties.

These links may be provided for convenience or informational purposes.

We do not control third-party websites and are not responsible for their:

• Content

• Accuracy

• Availability

• Products or services

• Privacy practices

• Security

• Terms of use

The inclusion of a third-party link does not necessarily constitute an endorsement of that third party or its products or services.

You should review the applicable terms and privacy policies before using a third-party website or service.

Intellectual Property

Unless otherwise stated, the text, graphics, logos, designs, website layout, photographs and other original content appearing on OntarioLend.ca are owned by or licensed for use by OntarioLend.ca or the applicable rights holder.

Content may not be copied, reproduced, republished, distributed, modified or commercially exploited without permission, except as permitted by law.

You may view, download or print reasonable portions of the website for your personal and non-commercial use.

Third-party trademarks, logos and content remain the property of their respective owners.

Acceptable Use

You agree not to use OntarioLend.ca:

• For unlawful or fraudulent purposes

• To submit false or misleading information

• To attempt to gain unauthorized access to the website or its systems

• To interfere with website security or operation

• To introduce viruses, malware or malicious code

• To scrape, harvest or collect information through unauthorized automated means

• To impersonate another person

• To infringe intellectual-property or privacy rights

• In any manner that could damage or impair the website or its operation

We may restrict or terminate access where we reasonably believe the website is being misused.

Website Availability

We do not guarantee that OntarioLend.ca will be available continuously or without interruption.

Access may be temporarily restricted because of:

• Maintenance

• Technical problems

• Security concerns

• Hosting interruptions

• Software updates

• Events beyond our reasonable control

We may modify, suspend or discontinue portions of the website at any time.

Disclaimer of Warranties

To the extent permitted by applicable law, OntarioLend.ca and its content are provided on an “as available” basis.

We do not warrant that:

• The website will always be available

• Website content will always be error-free

• Every piece of information will remain current

• Website functions will operate without interruption

• The website will be free from harmful components

• Use of the website will produce any particular mortgage or financial result

Nothing in these Terms excludes any warranty, condition, right or remedy that cannot lawfully be excluded.

Limitation of Liability

To the extent permitted by applicable law, OntarioLend.ca and persons involved in operating the website will not be liable for losses arising solely from reliance on general website information, calculator estimates, temporary website interruptions or third-party websites.

Nothing in these Terms is intended to exclude or limit liability that cannot legally be excluded or limited.

These Terms do not alter any obligations that apply to mortgage brokerage services under applicable law or any rights you may have under a separate agreement or applicable consumer-protection legislation.

Indemnification

To the extent permitted by applicable law, you agree to be responsible for losses, costs or claims resulting from your unlawful use of the website, deliberate misuse of the website or violation of another person’s rights.

This provision does not apply to losses caused by OntarioLend.ca or persons for whom it is legally responsible.

Changes to Mortgage Products and Services

Mortgage products, lending programs, lender availability, interest rates and underwriting guidelines may be added, changed or discontinued without notice.

The availability of information about a particular mortgage product on OntarioLend.ca does not guarantee that the product remains available or that you will qualify for it.

Changes to These Terms

We may update these Terms of Use periodically to reflect changes to:

• Our website

• Our services

• Applicable laws or regulations

• Technology

• Business practices

The revised Terms will be posted on this page and the Last Updated date will be changed.

Your continued use of the website after revised Terms are posted constitutes your acceptance of the revised Terms to the extent permitted by applicable law.

Governing Law

These Terms of Use and your use of OntarioLend.ca are governed by the laws of the Province of Ontario and the applicable federal laws of Canada, without regard to conflict-of-law principles.

Nothing in these Terms limits any rights you may have under legislation that applies regardless of this provision.

Dispute Resolution

If you have a question, concern or dispute relating to the website, we encourage you to contact us first so that we can attempt to resolve the matter.

Nothing in this section restricts your right to contact an applicable regulator, government agency or other authority where permitted by law.

Severability

If any provision of these Terms is determined to be invalid or unenforceable, that provision will be interpreted or modified to the minimum extent necessary to make it enforceable where possible.

The remaining provisions will continue in effect.

No Waiver

Failure to enforce any provision of these Terms does not constitute a waiver of that provision or of the right to enforce it in the future.

Entire Website Terms

These Terms of Use and the Privacy Policy constitute the general terms governing use of OntarioLend.ca.

They do not replace mortgage applications, lender commitments, regulatory disclosures, consent forms, brokerage agreements or other transaction-specific documents.

Where a transaction-specific agreement or legally required disclosure applies, that document will govern the applicable mortgage transaction.

Contact Us

Questions regarding these Terms of Use may be directed to:

OntarioLend.ca

Email: info@ontariolend.ca
Telephone: 1-877-754-2004

Website: www.ontariolend.ca

Mortgage services provided through:

Cameron Mackie – Mortgage Broker Licence #M08008827
TMG The Mortgage Group – Mortgage Brokerage Licence #10315